Bernice Chau

  • Sr. Loan Officer
  • NMLS: 245002 CAL DRE# 01300642
  • (415) 412-5363
  • 3327 Castro Valley Blvd.
  • Castro Valley, CA 94546

As a lender who has been in the business since 1999, I enjoy helping clients choose a solid loan program that is just right for their needs. Whether this is a first home loan, last, a loan for an investment property, vacation home, or refinance, I would be honored to assist with the mortgage need.

Clients can rely on my experience, education, knowledge, and market research to choose a loan that fits their financial needs without feeling pressured to commit.

Our first step is to discuss your goals and for me to share the loan programs that are available. I understand securing a loan can often be a daunting process, but it is my goal to provide you with an experience that answers your questions, eases your mind, and allows you to feel secure in choosing a home loan that fits within your budget and your situation.

Concerned about the different loan choices? Let me explain the benefits of each and provide information so you can decide what makes the most sense for you and your family.

Not sure about paying points ? We can crunch the numbers together and I can show you how this might impact your finances.

Confused about the process, timing, what paperwork needs to be submitted? Let me ease the burden with guidance through the process.

Self-employed? Recent job or family-life change? Circumstances that might cause you to worry about qualifying? I am a great listener who will strive to give you real life options to consider.

Equal Housing Lender. Contact me at bernice@bayareafunding.com.

Balancing Act: The Art of Compromise in Home Buying
Balancing Act: The Art of Compromise in Home Buying
Apr 10 2024   first time buyer first home first mortgage home loan apply for a first home loan
When it comes to buying a home, it's often said that it's all about location, location, location. However, compromises are sometimes necessary in the quest for the perfect home. While it's natural to want everything on your wish list, being flexible... Read More
Navigating Home Buying with Elevated Mortgage Rates: 10 Mistakes to Avoid
Navigating Home Buying with Elevated Mortgage Rates: 10 Mistakes to Avoid
Apr 3 2024   first time buyer first home first mortgage home loan apply for a first home loan
Homebuyers face a unique set of challenges in today’s real estate market, characterized by elevated mortgage rates and fluctuating conditions. While the temptation to time the market or solely focus on mortgage payments looms, falling into... Read More
Don't Wait Another Minute: Here's Why NOW is the Perfect Time to Buy Your Dream Home!
Don't Wait Another Minute: Here's Why NOW is the Perfect Time to Buy Your Dream Home!
Mar 27 2024   first time buyer first home first mortgage home loan apply for a first home loan
Is it a good time to buy a home? That's the question many prospective buyers are pondering. The decision to take the plunge into homeownership is a significant one, influenced by various factors ranging from personal finances to market trends. If you... Read More
Second Time's the Charm: Navigating Your Next Home Purchase
Second Time's the Charm: Navigating Your Next Home Purchase
Mar 20 2024   first time buyer first home first mortgage home loan apply for a first home loan
So, you're ready to dive back into the exhilarating world of homebuying for the second time around? As your local mortgage pro in the heart of our community, we're here to walk you through the process and answer some burning questions, including... Read More

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